Belgium · Payments & e-money
Isabel NV
Legal name in the LEI recordISABEL
Isabel NV is a Belgian public limited company based in Brussels. It was founded in 1995 by BNP Paribas Fortis, Belfius, ING Bank and KBC. The National Bank of Belgium (NBB) authorises it as a payment institution for payment initiation and account information services under number 0455.530.509. It offers businesses, banks and software providers the Isabel 6 multibank payment platform, the Ponto open banking service, the Kube corporate data platform and IntelliSuite fraud monitoring. In September 2024 Wolters Kluwer completed its purchase of Isabel's accountancy portfolio, which included CodaBox, ClearFacts, Clearnox, Zoomit and Flowin.
Licences and registrations
Held by Isabel (LEI 529900ULZO7S7JYJ9X64). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| EBA PSD2 RegisterNational Bank of BelgiumLinked by LEI. Matched by Elucidate to GLEIF on name, country and address. | Payment institutionPayment Institution | 0455530509 | Belgium | Active | 2019-02-19 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- ISAZBEBBXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under ISAZBEBB directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- VOP
- Branch codes
- None: head-office BIC only
- Other BIC with this LEI
- ISAZBEB1
- BIC first registered
- 2024-04-24
- Last updated
- 2024-07-17
Overview
Researched 29 Sep 2026 · Sources
Ownership
Privately held
Firm type
Open banking
Trades as Isabel
- Ownership
- BNP Paribas Fortis, Belfius, ING Bank and KBC founded the firm in 1995 as its shareholders, and no current shareholding percentages were confirmed from a primary source.
- Head office
- Place Sainte-Gudule 14, 1000 Brussels, Belgium (registered office: Keizerinlaan 13-15 (Boulevard de l'Impératrice 13-15), 1000 Brussel, Belgium)
- Company register
- Crossroads Bank for Enterprises (KBO/BCE) 0455.530.509
- Incorporated
- 1995
Online
- Websites & references
- isabel.eu ↗
myponto.com ↗ Ponto open banking product site, carrying the regulatory statement
ibanity.com ↗ API and developer portal (Ibanity)
documentation.ibanity.com ↗ developer documentation
isabelgroup.eu ↗ Isabel Group domain, still linked from the Ponto site
support.isabel.eu ↗ help centre
Wikipedia ↗ - Official social accounts
- LinkedIn ↗ · YouTube ↗
Sources · 9 pages consulted
- myponto.com/en/company/
- isabel.eu/en
- isabel.eu/en/isabel-the-company
- isabel.eu/en/press-room
- isabel.eu/en/press-release-isabel-builds-shared-fraud-prevention-infrastructure-with-tilda
- wolterskluwer.com/en/news/wolters-kluwer-completes-acquisition-of-the-isabel-groups-european-accountancy-po
- wolterskluwer.com/en/news/wolters-kluwer-acquires-european-cloud-accountancy-portfolio
- fintechbelgium.be/news/isabel-strengthens-its-focus-on-secure-payments-verified-corporate-data-for-belgian-
- isabel.eu/en/disclaimer.html
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The NBB authorises Isabel NV as a payment institution for payment initiation services (service 7) and account information services (service 8) under number 0455.530.509. The firm states that it holds passporting rights to all countries listed in the EBA payment-institution register, but it does not give their number.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| National Bank of Belgium Belgium | Payment institution (payment initiation and account information services) | 0455.530.509 | In its own name | Active | myponto.com ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Products and markets
Researched 29 Sep 2026 · Sources
According to the firm, Isabel 6 brings together account information and payments from over 500 banks through 20 partner banks. It also says Ponto gives software providers API access to over 1,700 European banks and payment providers.
The firm says it focuses primarily on the Benelux market, and it states that its PSD2 authorisation is passported to all countries listed in the EBA register.
- Payment volume
- EUR 2.3tnValue processed each year through its products, as the firm describes it
- Sells to
- Enterprises · Small businesses · Financial institutions · Platforms and marketplaces
- Serves customers in 3 countries
- Belgium · Luxembourg · Netherlands
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Kris De Ryck
CEO
- Executive
- David Demerie Chief Sales and Marketing Officer
- Executive
- Tim Van der Wee Chief Technology Officer
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Isabel announced TILDA, a platform it manages for sharing fraud signals between financial institutions under Febelfin's fraud action plan.
isabel.eu ↗ -
Other
Isabel launched Kube, a platform for exchanging verified corporate data for KYC and sustainability reporting.
isabel.eu ↗ -
Merger / acquisition
Wolters Kluwer completed its EUR 325 million purchase of Isabel Group's accountancy portfolio, including CodaBox, ClearFacts, Clearnox, Zoomit and Flowin.
wolterskluwer.com ↗ -
Merger / acquisition
Isabel Group agreed to sell its accountancy portfolio to Wolters Kluwer Tax & Accounting for EUR 325 million in cash.
wolterskluwer.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Identifiers
Head-office record
- BIC
- ISAZBEBBXXX
- How the BIC breaks down
- ISAZBank
- BECountry · Belgium
- BBLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 529900ULZO7S7JYJ9X64
- LEI record
- View on GLEIF ↗
- Licence no. · EBA-PSD2
- 0455530509
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate to GLEIF on name, country and address.
- Register-entry ID
- 16a91bd69e75
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- Payment initiation
- Account information
- Licensed in
- Belgium
- Country · region
- Belgium · Europe & Central Asia
- Banking supervision
- Not on the ECB's list of supervised entities as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- KEIZERINLAAN 13-15 BRUSSELS 1000 BELGIUM
- Operational address
- KEIZERINLAAN BRUSSELS 1000 BRUSSELS 1000 BELGIUM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>ISAZBEBBXXX</BICFI>
<LEI>529900ULZO7S7JYJ9X64</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>ISAZBEBBXXX</BICFI>
<LEI>529900ULZO7S7JYJ9X64</LEI>
<Nm>ISABEL NV</Nm>
<PstlAdr>
<TwnNm>BRUSSELS</TwnNm>
<Ctry>BE</Ctry>
<AdrLine>KEIZERINLAAN 13-15 BRUSSELS 1000</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| Verification of Payee | 2025-10-03 | Head office | — |
SEPA dates are when the institution became ready for the scheme.
An institution missing from T2 may still be reachable through an indirect participant.
Claim this profile
Work at Isabel NV?
Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.
- 01Submit Tell us who you are, using your work email.
- 02We verify We check the email domain and confirm your role with the bank. This usually takes up to five business days.
- 03Profile claimed The page is marked as claimed and verified. You can send us corrections at any time.
Claim received
Thank you. We will email your work address once the claim is verified. Until then, the page stays unclaimed.
The claim was not sent. Try again, or email contact@elucidate.co.
Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate.
- EBA PSD2 Register—European Banking Authority (EBA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: isabel.eu (official website); Kris De Ryck: isabel.eu (official website) · original.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
Book a demo